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Recently my family has had to face the music and realize that no matter how much we love the area we live in, with the rising cost of gas, and cost of living; we realize that we can no longer afford to live in an expensive house more than an hour away from town and jobs. We've come to the realization that in order to pay off past due debts and have a little left over to save each month, it's time to move into a cheaper place that's closer to work.
For my husband and me, our favorite "date night" is to pack a picnic of turkey and ham sub sandwiches and fresh fruit. We walk down to the beach a mile away and watch the sunset into the Gulf of Mexico while we talk about our lives. It's so romantic and basically FREE.
I know this wouldn't work for everyone because you have to get to work, but if you don't really NEED your vehicle, consider living without it. This is what I did 4- 1/2 years ago. I ride a bike with a basket on it. I walk. I take the bus. Occasionally I take a cab. But I'm saving lots of money and getting lots of extra exercise to boot.
Bottled water is so expensive. The tap water is safe to drink in almost all areas of the country. (Check the government reports on your local water tests). I keep a jug of tap water in the refrigerator so it's always cold and I use lots of ice. I always carry a refillable plastic bottle of ice water whenever I step foot out of the house. Water is included with our rent, so I'm saving "buckets" of money by drinking tap water instead of bottled water.
i challenged myself to find ways to cut back and save more money ...one idea was to use a crockpot as much as possible ( so that i wouldnt have to use the oven ) i got 1 large crockpot(maindish) and 2 smaller ones ( side dishes) results ...my electric bill was $40 cheaper ,which ill take to pay on a debt im currently working to pay off
If you have a $1000.00 get a money market at the bank. The interest is more then a saving account and can only withdrawn from it 6x a year. Every two weeks when I get pay I calculate 10% of it and round up to the 10th dollar. ex:if 10% is $90 up to $100. Place half of it in the money market and the other half in the savings. If you get pay three times a month normally one of the paychecks insurance is not taken out.Figure you insurance and 10%. Extra in your account.